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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,319 | $156,398-49.9% | $147,318-46.8% | $138,895-43.6% |
| Participation rate | 94.1% | 83.8%+10.4pp | 82.1%+12.1pp | 79.9%+14.2pp |
| Annual return | 18.21% | 78.75%-60.5pp | 70.43%-52.2pp | 145.39%-127.2pp |
| Employer contribution / active EE | $5,518 | $4,853+13.7% | $4,593+20.1% | $4,194+31.6% |
| Participant deferral / active EE | $11,253 | $8,237+36.6% | $7,906+42.3% | $6,396+75.9% |
| Admin fee / account holder | $13,573 | $14,976-9.4% | $13,708-1.0% | $12,562+8.0% |